M&T BankReviews of mtb.com

I have an existing FHA mortgage serviced by M&T Bank and am currently in Chapter 13 bankruptcy. I recently learned that approximately $1,950 in bankruptcy attorney fees/costs were charged or requested on my mortgage account. When I asked for a clear breakdown, the only document provided through M&T/SouthLaw was a one-page ledger. It listed vague entries such as “MFR fees” and “MFR costs,” but did not explain the specific attorney work performed, why the charges were assessed, invoice details, dates of legal work, or whether the fees were approved through the bankruptcy process. This happened during an extremely difficult financial period while I am unemployed and trying to keep up with my mortgage and household expenses. In my opinion, M&T should not be charging or requesting large bankruptcy attorney fees without clear, itemized, verifiable documentation. I would strongly caution mortgage customers to review every fee and demand proof for any legal charges added to their account.

Completely incompetent! Waited over 6 weeks for my car title after my loan was paid off. Made multiple phone calls requesting the title. I was told repeatedly it was being mailed only to find out it never was mailed and never would be. It was electronically released a month prior. No one we talked to gave us this information. They repeatedly lied to us saying they could "see" it was mailed out.

Absolutely THE WORST bank. I have never had any hassles with a bank until M & T took over. Started on Day 1 when they insisted there would be no problems with the takeover of my old bank. Their errors cost me hundreds. Their employees have a horrible attitude and are unhelpful. Their tellers have you fill out paperwork and as soon as you are done, oh they forgot the system is down, go use the ATM. They will not help with disputed charges on your debit card. They don't care if is not valid, they offer no assistance whatsoever. Go to any other bank. M & T is worse than any of them.

If u could leave 0 stars i would. I have 5 accounts with them and every other week have to call customer service answering a million questions to access my money because they have constant updates blocking Zelle payments or online banking access or random reasons or excuses they give as to why their app doesn’t work. To not be able to access your money or make business transactions makes this bank irrelevant to its necessity. Cannot wait to transfer all my money somewhere else. I’ve been with this bank for over 7 yrs and longer with accounts at navy federal, Chase and TD and the M&T has been most consistent n having issues.

Description of Error Disclosed Payment: According to my finalized Closing Disclosure (CD), my total monthly mortgage payment was legally disclosed as $4,995.47, which explicitly included a monthly projected escrow payment of $1,267.60. Actual First Bill: Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of $5,799.00. The Cause: Upon investigation, M&T Bank's escrow department failed to realize prior to closing that the escrow account was in a shortage position. This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents.

Customer service is horrible. Communication even worse. Do not recommend as a service provider.

It was a pain to set up my account and it also wouldn't let me make a same day payment on my house!!

Wouldn't recommend. I called 302-724-2440 7x and LM 3x. No one called me back. I sent a text 2x and got no response. When I went to the branch, I was told that M&T doesn't have a text service, but the texts went through on my phone. I emptied my checking account because M&T couldn't close the account because two charges "items" hadn't "cleared". I have to visit the branch AGAIN in order to close the account -- an unnessary and inconvenient errand. Also, when I signed up for the account, the representative didn't give me a card for the local phone number. And the service was exceptionally slow and the rep didn't seem to understand that my time is valuable. There was only one teller and SHE was also exceptionally slow.